Annual limit

Podiatry

Waiting Period

2 Months for General Podiatry

12 Months for Podiatry Surgery and Orthotics

Podiatry treats disorders of feet and lower limbs.

Orthotics are custom foot supports designed to support the feet and correct any lower limb problems. Orthotics have a sub limit of $230 per year and benefits can only be claimed if the orthotics are custom made (from a cast or mould taken from you) by a podiatrist in a private practice.

If you have Podiatric Surgery in a hospital performed by an orthopaedic surgeon, then this would be part of a hospital cover. Your extras cover doesn’t get used.

If you have Podiatric Surgery in hospital by an approved podiatric surgeon (there are only a few in Australia), Lots Extras cover will assist in covering the surgeons fees. Benefits from hospital expenses, theatre fees etc would be payable from a relevant health cover. View the list of approved podiatric surgeons here.

Psychology

Waiting Period

2 months

Psychologists work with patients to gain an understanding of their mind and how it impacts their behaviour. Generally this is done through group or one-on-one discussions.

If you’re entitled to a Medicare rebate on your psychology sessions, you cannot claim your out of pocket with Frank. Once you are no longer eligible to claim with Medicare, then you can claim on this cover.

Annual limit

$400 per person

$800 per couple/family

Antenatal and Postnatal classes

Waiting Period

2 months

Antenatal refers to services provided before having a baby and postnatal refers to services provided after birth.

Benefits can be claimed for sessions and courses provided by registered midwives or physiotherapists in a private practice. Courses or sessions that are paid for by Medicare cannot be claimed as part of this cover.

Annual limit

$350 per policy

Ambulance Subscription

Travel Vaccinations

Ambulance Subscription

Waiting Period

1 day

VIC, SA, WA and NT residents can claim 50% or 80% (based on their cover) of the cost of one ambulance subscription per year. Ambulance is covered differently in each state. To make sure you know exactly how it's covered in your state, check out more info here.

Annual limit

1 subscription per year per person

1 subscription per year per couple/family

Travel Vaccinations

Waiting Period

2 months

Benefits are payable for selected travel vaccinations administered by a doctor or at a vaccine clinic if you have a pharmacy receipt, doctor's account or vaccine clinic account. Find out what travel vaccinations are covered here.

A sublimit of $50 per vaccination applies.

Annual limit

$100 per person

$200 per couple/family

Can I get more information?

With Lots Extras, you can choose between claiming 50% or 80% back when you take out the cover. Whatever the provider charges, Frank pays 50% or 80% back (based on your cover) up to your annual limits. That means if you are charged $40 for a treatment your benefit will be $20 (if you’re on Extras with 50% back) or $32 (if you’re on extras with 80% back) as long as you have served your waiting periods and have available limits.

Yes, on most services you will have to serve a waiting period if you’re new to health insurance. With Frank (and most health insurers) you have to wait a specific amount of time between signing up and making your first claim. This is called a waiting period.

Lots Extras services have the following waiting periods:

1 day for ambulance

2 months for included extras (except for Optical, Major Dental, Podiatry Surgery and Orthotics)